Payoff Your Christmas Bill Yet?

So it's the first day of February. Where's that credit card tab at? Did you get the bill from December a few weeks ago and said something like "wow Christmas was expensive this year" and made the minimum payment with the intention of paying it of in February.

You know you won't pay it off in February either, right?

I won't preach about getting on a written budget. Instead I'm going to do some math for you. Starting this week, if you put aside twenty dollars a week until the week before Christmas. Just place on Mr. Jackson in an old pickle jar and do it until the week before Christmas; that old pickle would have $900 bucks in it.

 Look at your last credit card statement and subtract $900 from it. That should take the sting out of Christmas shopping, if you can keep your hands off the stash until December.